Commercial Credit Analyst I (January 2023 Start)

Company: Stifel
Location: Saint Louis
Posted on: November 25, 2022

Job Description:

Summary



The Commercial Credit Analyst I (CCAI) will provide support to the Commercial Lenders with emphasis on financial analysis in determining the creditworthiness of a borrower. The CCAI will have exposure to both private and public companies over a wide variety of industries, cash flow and other types of lending, and direct and syndicated loan opportunities. This position has an anticipated start date of January 2023.



Essential Duties & Responsibilities



* Analyze business financial statements and create cash flow models to be utilized in support of new and existing commercial loans, renewal requests, and amendments.

* Assist in the preparation of credit evaluation memorandums, annual and quarterly reviews, and accurate and timely risk ratings.

* Assist in the ongoing management and monitoring of a commercial loan portfolio.

* Ensure that certain financial statements and compliance certificates are up-to-date.

* Maintain in-depth knowledge of the soundness of borrowers and collateral through financial research including evaluating financial statements and analyzing third party data.

* Assist in preparation of monthly Bank Board of Directors reports providing a summary of commercial relationships.



Qualifications



* Understand and comply with all regulations, including the Community Reinvestment Act, Bank Secrecy Act, Fair Credit Reporting Act, etc.

* Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.

* Use of logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.



Education & Experience



* Bachelor's Degree in finance, accounting or another business related field required or equivalent experience.

* 1+ years' experience of commercial credit analyst work or related experience required.



Licenses & Credentials



* None required.



Systems & Technology



* Proficient in Microsoft Outlook and Microsoft Suite including Word and Excel.



About Stifel



Established in 1890, Stifel is one of the nation's leading full-service wealth management and investment banking firms. Stifel serves clients from more than 400 offices across the United States and ranks as the nation's seventh largest full-service investment firm in terms of number of financial advisors. We are also a leading provider of investment banking services to the middle market, a top-ten municipal bond underwriter, and home to one of the industry's largest research franchises. In addition Stifel's bank and trust subsidiaries provide a comprehensive range of banking services.



At Stifel we offer an entrepreneurial environment, comprehensive benefits package to include health, dental and vision care, 401k, wellness initiatives, life insurance, and paid time off.



Stifel's bank and trust companies are affirmative action and equal opportunity employers. All candidates will be considered without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, veteran status, genetic information or any other protected characteristic under applicable law. If you would like more information regarding Equal Employment Opportunity rights and protections, please review the following posters: Equal Employment Opportunity is the Law, EEO Supplement, and Pay Transparency.



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Keywords: Stifel, St. Louis , Commercial Credit Analyst I (January 2023 Start), Professions , Saint Louis, Missouri